I.T.I.
Retrospective Guide

The decision each of the 16 investor types regrets most one year later

🪞

The 'one off' move every persona ends up wishing they could undo — and the rule that blocks it.

Regret is heaviest about actions you should not have taken. Trading too often, sizing too big at once, copying someone else without testing — the 'one off' that hurts most is different for every type.

This page is a vaccine: write down the regret-worthy move for your type ahead of time. The next time the impulse arrives, you can pause once more.

What each of the 16 types should do

Tap your code to jump to that type's full guide.

🦅RDLCThe Precision Sniper

'Just this once skip the analysis' bet.

DO
  • · Force every checklist item before entry
  • · Cap any holding at 25%
  • · Keep the reserve aside
AVOID
  • · Letting intuition override analysis
  • · Holding a broken thesis out of attachment
🦉RDLAThe Asset Architect

'One band-break for this theme.'

DO
  • · Stay on the rebalance calendar
  • · Print the weight band and pin it to your desk
  • · Keep the reserve aside
AVOID
  • · Pulling core weight into one theme
  • · 'Just this year, gold/bonds only'
🐆RDSCThe Quant Sharpshooter

'Just one more trade today' becomes a quota break.

DO
  • · Define a weekly trade quota
  • · No trade without a journal entry
  • · Auto-sweep some profit aside
AVOID
  • · Temporarily disabling stop-loss
  • · Trading event days
🐺RDSAThe System Arbitrageur

Boosting strategy capital from a single hot stretch.

DO
  • · Run any new strategy at baseline for 1 year
  • · Keep per-strategy capital caps
  • · Preserve the emergency-stop rule
AVOID
  • · Disabling kill-switch temporarily
  • · Capitalising a brand-new strategy without backtest
🐉RILCThe Visionary

'Life-changing bet' = 100% in vision.

DO
  • · Defend the 40% vision cap
  • · Trim quarterly into other sleeves
  • · Keep the reserve
AVOID
  • · Faith-based 'this time it's real' moves
  • · Skipping bear cases
🐬RILAThe Trend Navigator

Big size on a new theme at the top.

DO
  • · Hold the 10% per-theme cap
  • · Write a 3-line thesis for every new theme
  • · Monthly weight check
AVOID
  • · 1:1 social tip entries
  • · Ignoring your 'top' instinct
🔥RISCThe Moth to the Flame

Using leverage to 'recover in one shot.'

DO
  • · Halve the high-risk account cap
  • · Force the 24h cooldown
  • · Name a reviewer
AVOID
  • · New futures / options positions
  • · Friend-tip copy-trades
🦦RISAThe Surfer

Skipping the review before the next rotation.

DO
  • · Calendar the quarterly review
  • · Sell 'no longer fun' positions on rule
  • · Auto-sweep some profit aside
AVOID
  • · Average-down attachment
  • · Spilling into coins
🦫PDLCThe Solitary Value Hunter

Entering without the margin of safety because 'I'm late.'

DO
  • · Wait for the safety-margin price
  • · Reassess watchlist quarterly
  • · Defend the reserve
AVOID
  • · Impulse buys driven by opportunity cost
  • · Selling longs on transient noise
🐢PDLAThe Armored Turtle

'Just this once' rule changes.

DO
  • · Stay on auto-rebalance
  • · Hold the weight band
  • · Keep the reserve aside
AVOID
  • · 'Grow the core this time' moves
  • · Impulse rule edits in volatility
🦊PDSCThe Defensive Tactician

Signal-less entry breaks rule trust.

DO
  • · One-line entry trigger
  • · 24h rest after take-profit
  • · Monthly rule vs P&L review
AVOID
  • · 'Everyone is buying' entries
  • · 'Symbolic' buys
🐘PDSAThe Methodical Librarian

Adding a trending theme ETF to DCA.

DO
  • · Hold the monthly DCA ratio
  • · Block 'just this once' rule edits
  • · Keep the reserve aside
AVOID
  • · Bumping cash weights impulsively
  • · Replacing core with themes
🐂PILCThe Romantic Farmer

Letting one name run past 50% on 'surely it's fine.'

DO
  • · Cap any single name at 30%
  • · Quarterly thesis review
  • · Defend the reserve
AVOID
  • · Skipping reviews
  • · Avoiding objective dissent
🐰PILAThe Peaceful Gardener

Unmanaged tip-buys turning the garden into weeds.

DO
  • · Trim names you've lost interest in quarterly
  • · Re-test tip-driven theses
  • · Add only to growing names
AVOID
  • · Endless 'friend tip' adds
  • · 'Sell all' impulse moves
🐿️PISCThe Cautious Squirrel

Avoiding markets for 6 months after one loss.

DO
  • · Re-read your winning journal
  • · Scale one held name stepwise
  • · Defend the reserve
AVOID
  • · Panic-selling everything
  • · 'Next trade I'll size double' revenge
🐝PISAThe Curious Bee

Breaking the experiment budget and sampling the core book.

DO
  • · Fix the experiment budget explicitly
  • · Hold one sample for 1 year
  • · Isolate the main book
AVOID
  • · Sampling every trending asset at once
  • · Breaking the budget

Frequently asked questions

What's the single biggest hack to reduce regret?
Pin your type's 'do not do' line in a phone note. Re-reading it before each trade is enough to pause the impulse.
How should I use this card?
Screenshot your type's card and pin it to your brokerage's note. Glance at it before every order.

Related scenarios

🛡️Top 5 investor types that survive a crashHalf of every drawdown is self-inflicted. Which personas sleep, which panic, and why.🧭Which investor types are most common among Gen Z & Millennials?A 16-type distribution map of younger investors plus the trap each one falls into the most.
Back to all scenarios